RSPCA Pet Insurance
Finder makes money from featured partners, but editorial opinions are our own.

RSPCA Pet Insurance Review

RSPCA pet insurance can cover up to $20,000 of your vet bills each year, with $0 excess.

3.9 ★★★★★ (55 reviews) Write a review


  • It's good for pet lovers – a portion of your premiums support the RSPCA.
  • No excess to pay, unlike with many other insurers.
  • It comes with an annual limit of $20,000 – the standard among most insurers on Finder is $15,000.


  • Its $20,000 annual benefit isn't quite market-leading. A handful of insurers including Petsy, Knose and Everyday offer more.
  • It pays 80% which is standard, though some insurers will pay you more.

First month free

Verified 4 days ago
Get 1 month free for the first year of new policies, applied across the year.

10% Multi-pet Discount

Verified 4 days ago
Save 10% when you insure multiple pets with RSPCA Pet Insurance.

Compare RSPCA pet insurance policies side by side

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
RSPCA Ultimate Plus Accident and Illness Cover
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA Ultimate Accident & Illness Cover
RSPCA's second most comprehensive policy. For extra protection, you can add on Routine Care Cover. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA Economy Accident & Illness Cover
Covers your pet for a range of accidents and illnesses. Get 1 month free for the first year of new policies. T&C's apply.
RSPCA General Accident & Illness Cover
Covers your vet bills when your cat or dog suffers an accidental injury or illness. Get 1 month free for the first year of new policies. T&C's apply.

Well done, RSPCA

RSPCA Ultimate Plus Accident and Illness Cover ranked in third place for Comprehensiveness in the 2023 Finder Awards. It covers 80% of eligible vet bills, you can claim up to $20,000 per year and a portion of your premiums goes to charity.

Full list of 2023 winners

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

RSPCA pet insurance costs

To help give you an idea about costs for RSPCA pet insurance, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$871.03$1,191.87
Staffordshire Bull Terrier$1,077.01$1,486.01
Border Collie$1,077.01$1,486.01

🏥 What does RSPCA pet insurance cover?

Here's what's included with RSPCA pet insurance.

Ambulance vehicle with pet paw on the front

Accidental injuries

Like all insurers, RSPCA covers accidental injuries. It'll pay you 80% of vet bills if your pet is involved in an injury such as:

  • A motor vehicle incident
  • A burn or electrocution
  • An allergic reaction to an insect bite, excluding flea and tick bites

Vet building with pet paw on the front


Some RSPCA policies cover illnesses. They can pay 80% of eligible vet bills for illnesses such as:

Pet toothbrush and scissors

Routine care

Routine care is an optional benefit with RSPCA. This means you need to pay extra for it if you want it included. It can help pay the costs of the following:

  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Vaccinations
  • Health checks
  • Flee/tick/worm control
  • Training

Why you can trust Finder's pet insurance experts


We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

RSPCA frequently asked questions

Get quote

👥 RSPCA reviews

If you're a previous or existing customer of RSPCA pet insurance, we'd love to hear from you! Leave a quick review here.

More guides on Finder

Get a better deal on pet insurance

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

20 Responses

    Default Gravatar
    ShellyNovember 10, 2018

    How much is it for my dogs to get their teeth cleaned. Is it covered with this policy and what is the outlay for me. Thank you

      Default Gravatar
      JoelNovember 10, 2018

      Hi Shelly,

      Thanks for leaving a question on finder.

      If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:

      – $15 a year for heartworm test or blood screen
      – FeLV/FIV test or urinalysis – $15 a year
      – a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.

      Please send me a message if you need anything else. :)


    Default Gravatar
    RobertJuly 30, 2017

    I have economy RSPCA cover, does it cover prescription medication? It pays 75% accident illness.

      RenchJuly 31, 2017Finder

      Hi Robert,

      Thanks for reaching out to us. Please note that we are not affiliated with RSPCA Pet Insurance or any company we feature on our site and so we can only offer you general advice.

      Yes, all plans with RSPCA Pet Insurance cover medicine and drugs. The only exclusion are medications that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).


    Default Gravatar
    debbielgSeptember 18, 2016

    Could you give me some monthly quotes on an insurance package for my 8 year old long haired domestic cat?

      RichardSeptember 20, 2016Finder

      Hi Debbie,

      Thanks for your question. Finder is a comparison service and RSPCA is not part of the panel of pet insurance brands we have access to.

      If you would like to compare the products from the brands in our panel, you can do so by heading to our pet insurance home page.

      All the best,

    Default Gravatar
    paulAugust 6, 2016

    i got a small dog call king charles but has anal gland want best insurance

      RichardAugust 9, 2016Finder

      Hi Paul,

      Thanks for getting in touch. If you would like to review the cover options available from the pet insurance brands in our panel, please head over to our pet insurance homepage.

      All the best,

    Default Gravatar
    BillJuly 7, 2016

    Do the premiums increase with each year as/because the dog ages?
    How long does it take for reimbursement?
    Cheers Bill

      RichardJuly 8, 2016Finder

      Hi Bill,

      Thanks for your question.

      Your premiums will be set at the outset of the policy, and stated on your Certificate of Insurance. For information about the claims process, you should consult page 25 of the RSPCA Pet Insurance’s policy disclosure statement (PDS).

      I hope this was helpful,

Go to site